Details of your registered PayID are available in your mobile or online banking. If you can’t find these details, any of your banks that support PayID can raise an investigation on your behalf to locate which account your PayID is linked to. 

You may have created your PayID when it first launched and forgotten which bank you registered it with. Check with each of the banks you have an account with and if you still can’t find it, any of your financial institutions that support PayID can raise an investigation on your behalf.

Speak to your financial institution and they can raise an investigation into this for you.  

Payments to your PayID should arrive to your account within a minute or so of being made. If you’re sure the person paying you used the correct PayID, the payment could be held for extra security checks. Contact your financial institution for more information or assistance.

Payments to a PayID should arrive to the destined account within a minute or so of being made. If a person or business you have tried to pay advised they have not received your payment, you should contact your financial institution for assistance.

Regardless of what payment method you use, always be alert to scams. Scams using PayID as a payment method can be reported to your bank and to the police. For more information and support about how you can protect yourself against fraud visit Scamwatch here.

PayID allows you to direct instant payments into your account using information that is easy to remember like your phone number or email address. If you’re not comfortable providing this information to people, you could consider creating a separate email address specifically for the purpose of enabling PayID payments. Using PayID is optional and banks also support instant payments using BSB and account numbers. Speak to your financial institution for more information.

PayID was intentionally designed to include a ‘payee confirmation step’ to reduce the risk of mistaken payments and scams. PayIDs cannot be created without this identification step. When you create a PayID your bank should give you a few options for how your name will be displayed, which may include initialisation. Using PayID is optional and banks support instant payments using BSB and account numbers. Speak to your financial institution for more information.

Registering a PayID requires a number of identification and verification steps to prove you are the rightful owner of the information you wish to use as your PayID, as well as the account you will be linking that PayID to. Unless a person has these details, it will be hard for them to create a PayID using your personal details.

Most Australian banks, building societies and credit unions offer PayID. Find out who here.

A PayID can only be linked to one account at a time. However, you can create multiple different PayIDs that you can link to either the same account, or different accounts.  

Log in to your mobile or online banking where your PayID is registered and look for the option to move or transfer your PayID. If you can’t find this, contact your bank for help.

Payments using a PayID can only be made from mobile or online banking of participating banks, credit unions and building societies. This means the same very high level of security that protects your existing bank account payments will also protect any payments made using a PayID.

Your bank account’s personal information is protected by your bank’s privacy policy.

Your PayID may be subject to a security investigation. Contact your financial institution for assistance.

PayIDs can be managed and deregistered inside the internet or mobile banking app of the financial institution it is registered with. If you can’t find how to do this, contact your bank for help.

PayID is an initiative from the New Payments Platform (NPP), fast payments infrastructure built by the Australian financial services sector and the Reserve Bank of Australia. NPP Australia Ltd is responsible for operating and maintaining this infrastructure. Speak to your bank for more information or email info@nppa.com.au.